 The Clarinet BBoard
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Author: contragirl
Date: 2005-05-26 07:34
Hey again!
Ok, so I am going to Africa and England on a tour with this school that I gig with. They are paying for EVERYTHING, it'll be great.
My first problem:
I don't own a bass clarinet.
So I have to borrow one, or buy a cheap one. That shouldn't be a problem, but convincing someone to allow me to bring their bass overseas could be a problem.
Now if I were to borrow one, the main concern would be having it get lost, stolen, dismembered, etc etc. My boyfriend said that I could get travelers insurance. (I would also want to put this on my Bb and A clarinets)
How does that work and where would I purchase it? Has anyone done this before?
I'm gonna add more:
Or could homeowner's cover this even if it goes overseas?
I have found a website for instrument insurance, and they cover borrowed instruments and worldwide. What is a good instrument insurance company if that were to be an option?
I would only really need this coverage for a month, otherwise my parents' homeowners covers my Bb (I'm pretty sure).
Thanks!
Contragirl
Post Edited (2005-05-26 07:47)
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Author: bob49t
Date: 2005-05-26 12:16
CG,
It may be that household insurance may not cover loss/damage a)outwith the home, b) abroad, or c), when you are not in attendance. I'm sure you would be better to contact the household insurance company to ask specific questions regarding this.
In UK, specific things like musical instruments need to be specified on the policy and have a value attached, so receipts/valuations for replacement are necessary.
Even the basic cover by specialist musical instrument insurers may not cover the instruments if you are not in attendance - eg if the horns are locked out of sight in a car boot. Cover for this may be an "add on".
Check the detailed cover even for specialist companies.
I have a specialist policy which has all bells etc and because of my fairly large total valuation, I think my premium is reasonable.
Some banks and building societies, with certain types of account provide "free" travel insurance and this may cover you and your instruments, but you'd have to check details and be happy that cover is in place.
RT
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Author: Jim E.
Date: 2005-05-28 03:50
Musical instruments can be added to homeowners policies as "scheduled personal property." The cost is nominal, I have 5 instruments covered for less than $30/ year. You will need a bill of sale or apraisal for each instrument. Scheduling eliminates limits, and usually deductables, and may cover more potential losses. Personal property is covered while traveling, but speak to your agent about international travel. This only applies to instruments owned by non-professionals. If you accept payment for playing, this will not work for you.
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Author: Terry Stibal
Date: 2005-05-29 21:42
You can get both pro and non-pro coverage for horns as part of the standard homeowner's policies here in the US of A. With my carrier, the pro premium is precisely double that of the non-pro. How this would cover losses outside of the US is something that I'd look into before I assumed that it worked in my favor.
Don't make the mistake of assuming that you'll be able to use the 'non-pro' rate for paid jobs. Fraud investigators are still part of the insurance business, and it's an old dodge that they can work through pretty easily if the loss occurred at the event. In-route theft is a different thing, but usually the in-route location is more secure and thus less likely to be lifted in the first place. And, if the horns are lifted from your home, you'll probably be able to win out in any event.
leader of Houston's Sounds Of The South Dance Orchestra
info@sotsdo.com
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Author: DavidBlumberg
Date: 2005-05-30 12:53
Also you probably can't insure it if it isn't your horn. Check into that if you borrow one.
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Author: contragirl
Date: 2005-05-30 15:00
I found some musical instrument/equipment insurance companies on-line that say that they cover borrowed EQ as part of their package. My only problem is who do I trust? I'm not gonna give some company my money, then if something did happen, they suddenly disappear. lol
Like this company:
http://www.heritage-ins-services.com/individual.htm
(Read the bottom: "What makes this policy different is the protection it provides for unscheduled instruments. The Music Pro policy provides $75,000. in automatic coverage for a 30-day period for unscheduled instruments that are borrowed, loaned, or purchased.")
--CG
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Author: DavidBlumberg
Date: 2005-05-30 15:18
Main thing is to read the clauses. Be completely upfront and honest or your claim if you ever have one can easily be denied.
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